Research On Problems And Countermeasures Of China Construction Bank A Branch Credit Business For Small And Micro Enterprises

Small and micro enterprises play an important role in Chinese economic development process,and occupy an absolute proportion in the national economy no matter in terms of the number of enterprises or driving population employment.Therefore,in recent years,our country has issued a series of policies to support small and micro enterprises development.As one of the big state-owned banks,China Construction Bank has also made supporting the development of small and micro enterprises as the focus of its work in recent years,especially in the innovation and application of loan products,and in the depth and breadth of credit funds delivery.But in practice,the author finds out from the investigation of Construction Bank A Branch the limitations of imperfect financial statements of small and micro enterprises and maximization of bank interests,and etc.These limitations restrict the development of both banks and enterprises.For this reason,this paper tries to conduct in-depth discussion and research on China Construction Bank Credit Business for small and micro enterprise,and tries to make solution or provide some theoretical basis for decision makers.During writing this article,the author sorts out carefully the financing market of small and micro enterprises of Construction Bank A Branch,and analyzes small and micro enterprises' financing mode,innovation difficulties of bank products,financing characteristics,as well as existing problems.The author also makes a thorough and deep analysis of existing or future problems in the bank's financing scale,financial services,admission conditions,risk control,information sharing,system construction and guarantee behavior.The discussion is made through data comparison,on-site interviews,analysis of the causes of the problems,expert answers and the collection of supporting materials,and other methods.According to the analysis,investigation and verification,the author puts forward six measures to solve the existing problems.We should firstly,do a good job in fund procurement and make "three inclines" when loaning to small and micro enterprises;secondly,construct a perfect guarantee system;thirdly strengthen risk management of small and micro enterprises;fourth,improve thecredit management system;fifth,improve the professional quality of credit practitioners.Sixth,improve the construction of credit guarantee institutions for small and medium sized enterprises.